We have no-fault insurance in Michigan. I'm told that Michigan is the only state that has "true" no-fault insurance. How well it works is debatable, but it's not difficult to understand.
What no-fault intends to do is to separate payments for damages and injuries from the court system. That's not to say that you get away with murder, but it means that when you are injured or your car is damaged you collect from YOUR insurance company, regardless of who is at fault. Now your insurance company may try to collect from the other party's insurance, but that's between the two companies to work out.
What happens if you have no insurance? Then you don't collect. There's no requirement to have collision; if you have no collision insurance and some drunk plows into you, guess what? The most you can collect is (I think) $400. Also, if you don't have "broad" collision, you have to pay your deductible even if the other driver is at fault. If you drive an old car, it's a bit of a gamble because it probably doesn't make sense to buy collision insurance.
There's a "catastrophic claims" fund that handles medical payments over what your insurance covers. I think it starts at $250,000 and the sky is the limit. A few years ago the fund got a little fat and the politicians started eyeing it. The Dems and GOP were tripping over each other to see who could give it away first. Now it's underfunded and you have to pay a surcharge on every single vehicle you insure. (No multi-vehicle discount.)
One odd thing about no-fault is that motorcycles aren't covered. So if you have a collision with a motorcycle, you WILL get sued, even if the motorcyclist is 100 percent at fault.
The only complaint I have is that the state isn't more tough on enforcing the mandatory insurance law. A lot of drivers make the minimum payment to get insurance so they can get licenses plates, then cancel the policy or let it lapse.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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